Videos
Teaching you insanely actionable asset building and how you can retire like a boss using your HDB or Condo.
HEROHOMES
Age-95 Financing Calculator
Case Inputs
All limits are computed against the youngest buyer and the flat's remaining lease.
Property
No data. Enter remaining lease manually below.
Auto-filled from lookup (estimate). Always verify against HDB records.
Lookup lease is estimated from year of completion (data.gov.sg). Confirm the exact lease commencement date via HDB's official records or the HFE letter before advising on numbers.
Deal
Leave blank to assume valuation = price (no COV).
Financing
Transaction costs
Buyer's Stamp Duty is computed automatically from the higher of price and valuation. ABSD is case-specific (second property, remission on sale of first) and is not auto-computed. Enter it manually if it applies.
Grants (enter max eligible amounts)
Enhanced CPF Housing Grant (EHG)Pro-rates with lease shortfall
CPF Housing Grant (Family)Does not pro-rate
Proximity Housing Grant (PHG)Does not pro-rate
Singles GrantDoes not pro-rate
Step-Up CPF Housing GrantDoes not pro-rate
Grant maximums change with policy. Enter what the client qualifies for per their HFE letter. Grants are credited to CPF OA and count toward the CPF usage cap.
Every limit, one screen.
Enter the case on the left. The tool computes CPF cap, grant pro-ration, loan limits, cash needed at purchase, the year CPF runs out on the mortgage, and the cash per month needed to keep CPF servicing the loan longer.
Neighbouring blocks within 100 m
Same price, same buyer, different lease. Run lookup first to enable.
▼
Leases estimated from year of completion. Distances from OneMap coordinates. Double-check every figure against official HDB resources before presenting to a client.
Disclaimer. This tool produces indicative estimates for planning conversations only. CPF usage limits, grant amounts, and loan quanta are determined solely by CPF Board, HDB (via the HFE letter), and the financing institution's credit assessment. Formulas follow published CPF Board and MND methodology as at mid-2026; policy changes may not be reflected. Buyer's Stamp Duty is auto-computed at residential rates; ABSD is not auto-computed and must be assessed per case. Lease data from data.gov.sg is estimated from year of completion and must be verified against official HDB records. Not financial advice. HeroHomes | PropNex Realty.